Category: Commercial Insurance

When you own a business, dangers are lurking everywhere. Every business faces a wide range of risks, and you need to protect yourself and your business against them. There are various types of commercial liability insurance that you might need, depending on the way your company does business. When you need liability coverage for your business, call us at Rancho Del Sur Insurance Services Inc. in San Diego, CA, to learn more. 

Premises Liability 

If you have physical premises, you may open it to the public or customers. When they have access to your premises, it’s always possible for them to be injured. Injuries can cost an extreme amount, even if the injuries aren’t severe. When you have the right premises liability coverage, it can pay for the medical bills and other costs associated with an injury that happens at your business. 

Worker’s Compensation

This is vital insurance to have if you have employees. When an employee has an accident at work or gets an illness related to work, your company is responsible for all the bills. Workers’ comp insurance can pay those bills so that your business isn’t burdened with them. 

Product Liability 

If you sell a product, no matter what, it could be used improperly and cause an accident or other incident. Your product can injure someone, so you need to be ready. This policy can pay for damages caused by the customer’s use of the item or any flaws in the item that cause harm.

Get Your Commercial Liability Insurance 

To protect your business against accidents and other incidents, call us at Rancho Del Sur Insurance Services Inc. in San Diego, CA, to get started.

Business continuity insurance is important if you want coverage after a peril temporarily shuts your doors. Rancho Del Sur Insurance Services Inc. can help you find the right policy to recover lost income and overhead expenses. Learn more about commercial insurance and why it’s so essential for businesses in San Diego, CA.

What Is Business Continuity Insurance?

Business continuity insurance, also known as business interruption insurance, improves your risk management strategy. This coverage can help you survive when unexpected disruptions or disasters prevent you from opening your retail shop or other brick-and-mortar business. Additionally, many policies pay for ongoing expenses if you’re forced to close temporarily. 

What Does (and Doesn’t) Business Interruption Insurance Cover?

Although every policy varies, business continuity insurance typically covers losses associated with an unpreventable shutdown due to fire, wind, theft, lightning, or falling objects. It doesn’t cover losses due to civil unrest or pandemics, which are handled under different policy types. 

Your interruption insurance may cover operating losses and expenses, such as the revenue you usually make in a given time frame. It will also handle mortgage or lease payments for your place of business. With business continuity insurance, you can continue paying your employees and set up shop at a temporary location.

Our team would be happy to review your existing policy and point out gaps in coverage that could put your business at risk. 

How Long Does Business Continuity Insurance Last?

One of our insurance agents can review your policy to tell you how long you have to restore your business location. There’s usually a two or three-day waiting period before the policy takes effect. However, your policy may work a bit differently. 

Reach Out To Us

When it comes to business insurance, residents in San Diego, CA trust Rancho Del Sur Insurance Services Inc. Contact us today to set up an appointment for a free quote!